{"id":136268,"date":"2021-06-12T04:12:32","date_gmt":"2021-06-12T02:12:32","guid":{"rendered":"https:\/\/gazdasagportal.hu\/?p=136268"},"modified":"2021-06-11T21:17:49","modified_gmt":"2021-06-11T19:17:49","slug":"brutalisan-elszallt-az-igeny-a-fedezet-nelkuli-szemelyi-kolcsonok-irant","status":"publish","type":"post","link":"https:\/\/gazdasagportal.hu\/index.php\/brutalisan-elszallt-az-igeny-a-fedezet-nelkuli-szemelyi-kolcsonok-irant\/","title":{"rendered":"Brut\u00e1lisan elsz\u00e1llt az ig\u00e9ny a fedezet n\u00e9lk\u00fcli szem\u00e9lyi k\u00f6lcs\u00f6n\u00f6k ir\u00e1nt"},"content":{"rendered":"<p><strong>Tov\u00e1bbra is m\u00e9rs\u00e9kelt maradt a hitelek ir\u00e1nti online \u00e9rdekl\u0151d\u00e9s a Bank360 Lakoss\u00e1gi Hitelkeresleti Index leg\u00fajabb havi adatai alapj\u00e1n. A szem\u00e9lyi k\u00f6lcs\u00f6n\u00f6k ir\u00e1nti kereslet dinamikus n\u00f6veked\u00e9se \u00f6sszess\u00e9g\u00e9ben ellens\u00falyozta a babav\u00e1r\u00f3 k\u00f6lcs\u00f6n\u00f6k \u00e9s lak\u00e1shitelek alacsonyan ragadt sz\u00e1mait.<\/strong><!--more--><\/p>\n<div class=\"ads-in-post2\"><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script>\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-format=\"fluid\"\r\n     data-ad-layout-key=\"-6t+ed+2i-1n-4w\"\r\n     data-ad-client=\"ca-pub-1959107119989764\"\r\n     data-ad-slot=\"4008251320\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p class=\"before-blog_text_widget_personal\">76,4 sz\u00e1zal\u00e9kos \u00e9rt\u00e9ket mutatott 2021\u00a0m\u00e1jus\u00e1ban a\u00a0Bank360\u00a0Lakoss\u00e1gi Hitelkeresleti Index. A hitelek ir\u00e1nti \u00e9rdekl\u0151d\u00e9st kifejez\u0151 mutat\u00f3 a fogyaszt\u00f3k internetes keres\u00e9si tev\u00e9kenys\u00e9ge, teh\u00e1t a f\u0151bb keres\u00e9si kulcsszavak \u00e9s kifejez\u00e9sek keres\u00e9si gyakoris\u00e1ga alapj\u00e1n jelzi a f\u0151bb lakoss\u00e1gi hitelt\u00edpusok \u2013 azaz a szem\u00e9lyi hitel, a babav\u00e1r\u00f3 hitel \u00e9s a lak\u00e1shitel \u2013 ir\u00e1nt t\u00e1masztott keresletet.<\/p>\n<p>A mutat\u00f3 a koronav\u00edrus-j\u00e1rv\u00e1nyt megel\u0151z\u0151 helyzetet veszi b\u00e1zisnak, \u00edgy a 2020. janu\u00e1ri keresleti szint eset\u00e9n veszi fel a 100 sz\u00e1zal\u00e9kos \u00e9rt\u00e9ket.<\/p><div id=\"gazda-3337516188\" class=\"gazda-tartalomban gazda-entity-placement\"><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script>\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-format=\"fluid\"\r\n     data-ad-layout-key=\"-6t+ed+2i-1n-4w\"\r\n     data-ad-client=\"ca-pub-1959107119989764\"\r\n     data-ad-slot=\"4008251320\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p><img decoding=\"async\" src=\"https:\/\/lh3.googleusercontent.com\/jxWWysv0ewSjJZGjcpXM45dDuqdScSx2YzJ-8ozU4tAIqrWU1IwzKygve0WWj9T8hetkWPwAduHmjtcccDZ0pnsq2UDOWuhjXIqhHiq1L9g9F51I4ufQVa-cZ8YwsrArqM_skgMO\" width=\"100%\" \/><\/p>\n<p>M\u00e1jusban m\u00e1r harmadik h\u00f3napja cs\u00f6kken az online hitelkereslet a Bank360 Lakoss\u00e1gi Hitelkeresleti Index szerint, vagyis a koronav\u00edrus-j\u00e1rv\u00e1ny harmadik hull\u00e1ma tavasszal jelent\u0151s m\u00e9rt\u00e9kben \u00e1sta al\u00e1 a hitelek ir\u00e1nti online \u00e9rdekl\u0151d\u00e9st. M\u00edg azonban a lak\u00e1shitelekn\u00e9l \u00e9s a babav\u00e1r\u00f3 k\u00f6lcs\u00f6nn\u00e9l alacsony szinten stagn\u00e1l\u00e1st eredm\u00e9nyezett a v\u00e1ls\u00e1ghelyzet, a szem\u00e9lyi k\u00f6lcs\u00f6n\u00f6k ir\u00e1nti \u00e9rdekl\u0151d\u00e9s kil\u0151tt, \u00e9s 2020 janu\u00e1rja \u00f3ta a legmagasabb havi hitelkeresletet eredm\u00e9nyezte.<\/p>\n<div class=\"ads-in-post2\"><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script>\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-format=\"fluid\"\r\n     data-ad-layout-key=\"-6t+ed+2i-1n-4w\"\r\n     data-ad-client=\"ca-pub-1959107119989764\"\r\n     data-ad-slot=\"4008251320\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p><span class=\"blockquote bank360\">\u201cA szem\u00e9lyi hitelek rekordmagas kereslet\u00e9t a fogyaszt\u00f3i \u00e9rdekl\u0151d\u00e9s mellett a banki aj\u00e1nlatokat c\u00e9lzottan keres\u0151k magas sz\u00e1ma is al\u00e1t\u00e1masztja\u201d \u2013 k\u00f6z\u00f6lte Varga Zsombor, a Bank360 elemz\u0151je.<\/span><\/p>\n<p><img decoding=\"async\" src=\"https:\/\/lh6.googleusercontent.com\/Jw9WrgWEXL0v8fYHIt3ydnzsVosjKZK6jgmWuNoiw_tMp83m3a6yJPPZYvIKpGOt_aWLIQZky7nO3x10GvlZuBEzU55y3ox_rSlsqY4KYRm9yjBPVqoDd4v-OnP-bynSeyWrMnz5\" width=\"100%\" \/><\/p>\n<p>A szem\u00e9lyi k\u00f6lcs\u00f6n\u00f6k ir\u00e1nti online kereslet m\u00e1r a j\u00e1rv\u00e1ny el\u0151tti szintet is j\u00f3csk\u00e1n meghaladja \u00e9s a kifejezetten a szem\u00e9lyi k\u00f6lcs\u00f6n\u00f6k ir\u00e1nti online keresletet mutat\u00f3 alindex 118,3 sz\u00e1zal\u00e9kos \u00e9rt\u00e9ket mutatott. A lak\u00e1shitel \u00e9s a babav\u00e1r\u00f3 k\u00f6lcs\u00f6n ir\u00e1nti \u00e9rdekl\u0151d\u00e9s ezzel szemben m\u00e9g a 70 sz\u00e1zal\u00e9kot sem \u00e9rte el m\u00e1jusban.<\/p>\n<div class=\"ads-in-post2\"><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script>\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-format=\"fluid\"\r\n     data-ad-layout-key=\"-6t+ed+2i-1n-4w\"\r\n     data-ad-client=\"ca-pub-1959107119989764\"\r\n     data-ad-slot=\"4008251320\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<h2>A foly\u00f3s\u00edt\u00e1s m\u00e1r a j\u00e1rv\u00e1ny el\u0151tti helyzet fel\u00e9 mozdul<\/h2>\n<p>A koronav\u00edrus-j\u00e1rv\u00e1nyt megel\u0151z\u0151 piaci adatok tekintet\u00e9ben a Bank360 elemz\u0151i szoros kapcsolatot \u00e9szleltek az egyes hitelt\u00edpusok foly\u00f3s\u00edt\u00e1sa \u00e9s a Bank360 Lakoss\u00e1gi Hitelkeresleti Index \u00e1ltal mutatott kereslet k\u00f6z\u00f6tt. B\u00e1r a j\u00e1rv\u00e1ny okozta bizonytalans\u00e1g miatt az \u00f6sszef\u00fcgg\u00e9s egy\u00e9rtelm\u0171en gyeng\u00fclt, a legut\u00f3bbi adatok szerint m\u00e9gis kezd visszat\u00e9rni a v\u00e1ls\u00e1g el\u0151tti, magabiztos hitelpiac.<\/p>\n<p>&nbsp;<\/p>\n<p>\u00cdgy a keresleti adatok alapj\u00e1n sz\u00e1molt foly\u00f3s\u00edt\u00e1s m\u00e1r igen k\u00f6zel esik a t\u00e9nyleges havi hitelkihelyez\u00e9shez. Az \u00e1prilisi foly\u00f3s\u00edt\u00e1si adatok szerint a szem\u00e9lyi k\u00f6lcs\u00f6n\u00f6kb\u0151l 37,3 milli\u00e1rd forintos \u00f6sszeget vettek fel a fogyaszt\u00f3k, m\u00edg a kor\u00e1bbi keresleti \u00f6sszef\u00fcgg\u00e9sek alapj\u00e1n 38,8 milli\u00e1rd forintos volumen ad\u00f3dott volna. A babav\u00e1r\u00f3 k\u00f6lcs\u00f6n\u00f6k \u00e1prilisi foly\u00f3s\u00edt\u00e1sa 49,7 milli\u00e1rd forintot tett ki, a modellezett hitelfoly\u00f3s\u00edt\u00e1s pedig 49,5 milli\u00e1rd forintot mutatott ebben a h\u00f3napban. Vagyis a kereslet alapj\u00e1n becs\u00fclt volumen \u00e9s a t\u00e9nyleges foly\u00f3s\u00edt\u00e1s m\u00e1r majdnem megegyezik a k\u00e9t hitel eset\u00e9n, \u00edgy hi\u00e1ba volt m\u00e9g lez\u00e1r\u00e1sokkal terhelt az \u00e1prilis, a foly\u00f3s\u00edt\u00e1si \u00f6sszef\u00fcgg\u00e9sek m\u00e1r a j\u00e1rv\u00e1ny el\u0151tti helyzethez val\u00f3 visszat\u00e9r\u00e9st mutatj\u00e1k.<\/p>\n<div class=\"ads-in-post2\"><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script>\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-format=\"fluid\"\r\n     data-ad-layout-key=\"-6t+ed+2i-1n-4w\"\r\n     data-ad-client=\"ca-pub-1959107119989764\"\r\n     data-ad-slot=\"4008251320\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p>A lak\u00e1shitel eset\u00e9ben\u00a0rekordfoly\u00f3s\u00edt\u00e1st hozott az \u00e1prilis.\u00a0A 107,6 milli\u00e1rd forintos volumen minden kor\u00e1bbi foly\u00f3s\u00edt\u00e1st fel\u00fclm\u00falt, \u00e9s m\u00e9g a kor\u00e1bbi keresleti \u00f6sszef\u00fcgg\u00e9sek alapj\u00e1n sz\u00e1molt 77,4 milli\u00e1rd forintos volumenn\u00e9l is j\u00f3val magasabb \u00e9rt\u00e9ket tett ki. A lak\u00e1shitel m\u00e1rciusi \u00e9s \u00e1prilisi 100 milli\u00e1rd forintos \u00f6sszeget is meghalad\u00f3 foly\u00f3s\u00edt\u00e1sa a v\u00e1ls\u00e1g sor\u00e1n jelentkez\u0151, de az akkori bizonytalan piaci viszonyok k\u00f6z\u00f6tt ki nem el\u00e9g\u00edtett keresletet t\u00fckr\u00f6zheti. Az \u00e9v elej\u00e9t\u0151l el\u00e9rhet\u0151 \u00e1fakedvezm\u00e9nyek \u00e9s lak\u00e1sfel\u00faj\u00edt\u00e1si t\u00e1mogat\u00e1s tov\u00e1bb fokozhatt\u00e1k a lak\u00e1shitelfoly\u00f3s\u00edt\u00e1st a tavaszi h\u00f3napokban.<\/p>\n<p>(<strong><a href=\"https:\/\/bank360.hu\/blog\/egyre-tobben-erdeklodnek-a-fedezet-nelkuli-szemelyi-kolcsonok-irant\" target=\"_blank\" rel=\"noopener\"><span class=\"field field--name-title field--type-string field--label-hidden\">Egyre t\u00f6bben \u00e9rdekl\u0151dnek a fedezet n\u00e9lk\u00fcli szem\u00e9lyi k\u00f6lcs\u00f6n\u00f6k ir\u00e1nt<\/span><\/a><\/strong>)<\/p>\n<h1>Brut\u00e1lisan elsz\u00e1llt az ig\u00e9ny a fedezet n\u00e9lk\u00fcli szem\u00e9lyi k\u00f6lcs\u00f6n\u00f6k ir\u00e1nt<\/h1>\n","protected":false},"excerpt":{"rendered":"<p>Tov\u00e1bbra is m\u00e9rs\u00e9kelt maradt a hitelek ir\u00e1nti online \u00e9rdekl\u0151d\u00e9s a Bank360 Lakoss\u00e1gi Hitelkeresleti Index leg\u00fajabb havi adatai alapj\u00e1n. A szem\u00e9lyi k\u00f6lcs\u00f6n\u00f6k ir\u00e1nti kereslet dinamikus n\u00f6veked\u00e9se \u00f6sszess\u00e9g\u00e9ben ellens\u00falyozta a babav\u00e1r\u00f3 k\u00f6lcs\u00f6n\u00f6k \u00e9s lak\u00e1shitelek alacsonyan ragadt sz\u00e1mait.<\/p>\n","protected":false},"author":1001006,"featured_media":136269,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[19,436],"tags":[],"_links":{"self":[{"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/136268"}],"collection":[{"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/users\/1001006"}],"replies":[{"embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/comments?post=136268"}],"version-history":[{"count":2,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/136268\/revisions"}],"predecessor-version":[{"id":136271,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/136268\/revisions\/136271"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/media\/136269"}],"wp:attachment":[{"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/media?parent=136268"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/categories?post=136268"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/tags?post=136268"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}